Jora Credit Holdings, LLC

Terms and Conditions

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General

By submitting a loan application to Jora Credit ("we," "us," or "Lender"), you agree that these Terms and Conditions will apply to that application. If your application is approved, the Consumer Installment Loan Agreement and these Terms and Conditions will govern your loan.

Privacy

Governing Law

The laws of your state of residence at the time of Application Submission and/or Loan Origination shall apply to these transactions regardless of where you may be at the time of execution.

Application Verification

You give Lender consent to obtain information on you from a consumer-reporting agency or other means available including, but not limited to TeleTrack and Accurint. You agree to and authorize such a search. You understand that Lender may not fund your loan if Lender cannot successfully verify all of your application information.

Agreement

You certify that the information supplied by you on this website to be true and correct. You authorize Lender, our representatives, servicers, and/or assignees, to verify the information by contacting any of the persons or firms listed by you. You fully release all parties from claims of damage that may arise out of or relate to any such contacts. Any false information submitted on this website shall be sufficient reason for denial of your request.

Accuracy Of Your Account Information

We have established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable industry standards. We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any information we determine to be inaccurate.

You may change your information on your application online by logging into the website and clicking on "Preferences" in the menu.

Changes To Privacy Policy

We reserve the right to change our privacy policy in accordance with applicable law. If we change our policy, we will notify you by providing you with the revised policy within the timeframes required by applicable law.

Additional Security Precautions

You also have a significant role in protecting your information. No one can see or edit your personal information without knowing your login information; do not share this with others. If you use this site you are responsible for maintaining the confidentiality of your account, password, and restricting access to your computer. You agree to accept responsibility for all activities that occur under your account and password.

Cookies And Online Advertising

To ensure we are publishing content customers need and want, Lender’s website collects aggregated site visitation statistics using cookies. When someone visits the website, a cookie is placed on the customer’s computer (if the customer accepts cookies). We also advertise our products and services on other websites you might visit. We may use certain third party vendors, including but not limited to, Google, Microsoft, or Yahoo, to place our ads on other websites. These third parties may use the cookies placed on your computer to show you advertisements for our services (based on your prior visits to this website) on other internet websites. You can opt out of Google’s, Microsoft’s and Yahoo’s use of cookies in this manner by visiting their respective advertising opt-out pages. If you choose to not have your browser accept cookies from Lender’s website, you will not be able to subscribe to the service offerings on the site.

Automatic Logging Of Session Data

We automatically log generic information about your computer and your computer's connection to the Internet, which we call "session data". Session data consists of things such as device information, IP address, operating system and browser software information, and the activities conducted by the user while on our site. An IP address is a number that lets computers attached to the Internet, such as our web servers, know where to send data back to the user, such as the pages of the site the user wishes to view. We collect session data because it helps us analyze such things as what items visitors are likely to click on most, the way visitors are clicking through the site, how many visitors are surfing to various pages on the site, how long visitors to the site are staying and how often they are visiting. It also helps us diagnose problems with our servers and lets us better administer our systems. It is possible to determine from an IP address a visitor's Internet Service Provider (ISP) and the approximate geographic location of his or her point of connectivity. We also collect and use session data to help prevent fraud or unauthorized use of our site. Session data is sometimes shared with third parties.

Credit Reporting Disclosure

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Children And The Internet

We respect the privacy of your children, and we comply with the Children’s Online Privacy Protection Act (“COPPA”). We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen (13). You must be at least eighteen (18) years of age to obtain services from us.

Who Do You Contact With Questions?

If you have any questions about the practices of this website, please contact us by sending a letter to
Jora Credit Holdings, LLC
PO Box 8407
Philadelphia, PA 19101

You understand that Lender will retain your application, in accordance with regulatory requirements, whether or not it is approved.

TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY CONTACT:
Complaints Manager in WRITING at P.O. Box 8407 Philadelphia, PA 19101; EMAIL at Complaints@JoraCredit.com; or by CALLING1-888-256-6083.1-888-256-6083.

This is an expensive form of credit. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Before borrowing, please consider whether you will be able to repay any amount you borrow along with the Finance Charges disclosed to you in your Agreement. Customers with continued credit difficulties should seek credit counseling.

1First-time customers typically qualify for credit in amounts between $500 and $2,600, with APRs between 170% and 349%. For example, in Missouri a $2,000 installment loan from Jora would require 48 bi-weekly payments of $179.54, which includes $6,618.50 of interest and an APR of 230%. After the 48th successful payment, the loan would be paid in full. Refer to the What It Costs page for additional details and products specific to your state of residence.

*For Installment Loans; If electronic funding is selected and your loan agreement is signed and submitted prior to 10:30 a.m. Central time (Monday – Friday, excluding bank holidays) the loan will be funded that day. Loan agreements that are signed and submitted after this time will be funded on the next business banking day. Loans selected to fund by paper check take up to 7 to 10 business days to receive. In some cases, we may not be able to verify your application information and may ask you to provide additional documents or information, which can cause funding delays.

For Lines of Credit; If you submit your Cash Advance request prior to 10:30 a.m. Central time (Monday – Friday, excluding bank holidays) your request will be funded that same day. You will have to check with your bank to see exactly when the funds will appear in your account, but it should be there by 5pm your local time. If you submit your Cash Advance request after 10:30 a.m., your request will be funded on the next business banking day. Alternatively, you can request that we send you a paper check by mail, which will take approximately 7 – 10 business days to receive.

Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan or Line of Credit may negatively impact your credit rating. If you fail to repay your Account in accordance with the terms of your Agreement, we may place your Account with or sell your Account to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.